Ruin Explorer
Legend
If the DM asks for rolls for almost everything, exhaustion is going to be a much bigger problem. Hopefully, at least in my view, the DM doesn't do that and ascribes to the "Middle Path."
I mean basically I agree with your position re: rolls etc., and I think you explain it well here, but I just don't feel like it makes Exhaustion anything less than a massive problem.
Yes, one that can be navigated around and mitigated to an extent, but it's still quite like you just deleted your character outside of combat, for anything but no-risk tasks. Other people now need to step up and do your job, make your checks, or use Help to prevent you failing stuff (and even then, you may well fail it, because before they could use help and give you Advantage). You've given the party a limp, as it were. Yeah that happens - people die, for example, but you did it on intentionally.
In combat, one level is less of a problem but with a slightly mean DM like mean, you absolutely are going to get grappled if you have STR disadvantage and are in melee, and I can gain from it tactically, and bad things will happen after that. I mean, it's not like the Warlock doesn't Hex the biggest mob with STR disadvantage every time to try and do the same in reverse.
Re: DMs who ask for rolls for everything, well, on a sliding scale, of the DMs I currently play 4E with, including me, I'm by far the least likely to ask for a roll - I try to always avoid rolls unless failure is interesting/meaningful or the players are "fishing". The next DM is pretty similar but given to unnecessary Perception checks (passive Perception exists for a reason, people, though I think that is impacted by Disadvantage?). After that, the next DM is never unnecessary with the rolls, but quite aggressive, and not keen on letting people avoid a roll entirely with RP and the like (unless its obvious stuff that makes sense), just more likely to give Advantage. The final DM, he absolutely makes you roll for everything, multiple times, like one time on one conversation with an NPC I had to roll Persuasion 5 times in 10 sentences. I wasn't even trying to Persuade the NPC of anything, he was just rolling it like it was etiquette or something (the NPC was quite fancy, but frankly, so was my PC). Perception checks for noticing basic stuff, like the presence of NPCs in a room. I could go on. So it varies. A lot.